Compensation for this position is commensurate with experience. The posted range is intended to provide a general estimate and does not guarantee a specific rate of pay.

Primary Accountabilities / Responsibilities:

Management of Assigned Portfolios
- Shall maintain portfolios to the expected standards, including addressing all maturing loans, completing annual reviews, addressing all documentation and financial reporting exceptions.
Customer Service
- Delivers consistently superior service to customers. This includes responding to all requests quickly, meeting with customers as it relates to the management of the loan portfolio and acting as a liaison for customers to other Bank divisions.
Risk Management and Underwriting
- Works closely with the customer, commercial lender, credit department and administrative staff in handling customer requests.
- Analyzes loan applicants to determine feasibility of granting loan. Work with the Commercial Lender to negotiates terms, prepare opportunity memos, prepares loan proposal, underwrites, and obtains approval; all while conferring with EVP SLO / Team Leader / Loan Officer and the credit department.
- Works with credit on loan presentation, clearly identifies credit risks and any policy exceptions..
- Works with the Commercial Lender to assist with consummating properly approved loans by securing all necessary notes, guarantees, security and mortgage agreements, and related loan documents.
- Assumes responsibility with and under the direction of the EVP SLO / Team Leader for the management of loan and deposit relationships.
- Collects required financial information and maintains comprehensive and current credit files and comments.
- Maintains acceptable asset quality performance levels according to Bank’s standards, including loan delinquency, and line renewal and loan maturities.
- Teamwork, Community Activities, Management
- Foster a sense of teamwork and mutual support within the bank, to accomplish the bank’s goals.
- Be active in community organizations as a Bank representative.

Position Requirements:

Bachelor’s degree in business, Finance or related field
A minimum of two years’ experience in commercial lending previously, preferably involving credit training
Strong understanding of Business Banking loans
Strong proven financial, analytical, and mathematical skills
Excellent credit skills in underwriting, financial modeling, valuations and adherence to policy
Exceptional written, verbal and interpersonal communication skills
High-energy, result-oriented and works well in a team environment
Strong organization skills

Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skill, and/or ability required. Any physical demands or work conditions described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

An Affirmative Action/Equal Opportunity Employer of protected veterans and individuals with disabilities. Applicants for employment are considered without regard to race, creed, color, religion, sex, gender identity, sexual orientation, marital status, genetic information, national origin, age, disability, status as a veteran, Vietnam Era Veteran, or being a member of the Reserves or National Guard. Also, it is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Portfolio Manager